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Insurance Plans Comparison

Care Supreme Super Saver vs ICICI Lombard Health Elite

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Supreme Super Saver

Care Supreme Super Saver offers health insurance coverage with unlimited automatic recharge, cumulative bonus options, modern treatment coverage and wellness benefits, subject to the selected benefits and policy terms.

What Makes It Special:

Care Supreme Super Saver offers health insurance coverage for individuals and families, with benefits including hospitalisation, daycare procedures, modern treatments, AYUSH treatment, domiciliary hospitalisation and unlimited automatic recharge. Customers can also choose eligible optional benefits for enhanced cumulative bonuses, non-payable hospital expense coverage, OPD consultations and modifications to the pre-existing...

Best For:

  • Individuals looking for optional OPD consultations and wellness benefits.

  • Customers interested in optional coverage for listed non-payable hospital expenses.

  • People who want to build additional coverage through cumulative bonus benefits.

  • Customers looking for unlimited automatic recharge for eligible medical claims.

  • Individuals and families seeking comprehensive hospitalisation coverage.

VS
ICICI Lombard

Health Elite

Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.

What Makes It Special:

ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.

Best For:

  • Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.

  • Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.

  • Individuals who want to compare available outpatient treatment benefits and their applicable limits.

  • Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.

  • Individuals seeking health insurance for eligible hospitalisation and daycare expenses.

Insurance Plans Comparison

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Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Understand renewal discounts: Check the healthy-day requirements and other conditions that determine eligibility for wellness-linked renewal discounts.

  • Evaluate optional benefits: Compare the cost and coverage of OPD, Claim Shield, wellness benefits and other available add-ons.

  • Review waiting periods: Consider the initial, named-ailment and pre-existing disease waiting periods.

  • Compare bonus options: Understand the standard cumulative bonus and optional enhancements before choosing.

  • Choose your sum insured: Compare available coverage amounts against your healthcare needs, family size and budget.

  • Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.

  • Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.

  • Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.

  • Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.

  • Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Super Saver
Supreme Super Saver

Health Insurance Plan

VS
Health Elite
Health Elite

Health Insurance Plan

Room Rent

Supreme Super Saver

Room rent is covered up to the sum insured, subject to the policy’s room eligibility and applicable terms.

VS

Health Elite

Information Unavailable

ICU Charges

Supreme Super Saver

ICU expenses are covered up to the sum insured, subject to the applicable policy terms.


VS

Health Elite

Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.

Advanced Treatments

Supreme Super Saver

Information Unavailable

VS

Health Elite

  1. Stem Cell Therapy
  2. Robotic Surgeries
  3. Oral Chemotherapy
  4. Deep Brain Stimulation
  5. Bronchial Thermoplasty
  6. Intra Operative Neuro Monitoring (IONM)
Disease-wise sublimits

Supreme Super Saver

No sublimits on modern or conventional treatments. Individual treatments and claims remain subject to policy exclusions, definitions and other applicable conditions.

VS

Health Elite

Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.

Co-payment

Supreme Super Saver

Optional Care OPD has specified co-payments: 10% for general physician consultations under one listed option and 5% for specialist consultations under that option. Check the selected policy schedule for any other applicable co-payment.

VS

Health Elite

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Cashless Healthcare Providers

Supreme Super Saver

Cashless treatment is available at eligible network hospitals, subject to network participation, pre-authorisation and policy terms.

VS

Health Elite

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Restoration Benefit

Supreme Super Saver

Unlimited Automatic Recharge is available for related and unrelated illnesses, including repeated use for the same illness, subject to policy terms.

VS

Health Elite

Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording.

Cumulative Bonus

Supreme Super Saver

Standard cumulative bonus: 50% of the sum insured per year, up to a maximum of 100% of the sum insured. The accumulated bonus does not reduce due to claims, subject to policy conditions. The optional Cumulative Bonus Super can increase the bonus by up to 100% of the sum insured per year, up to 500%.

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

Daycare Treatment

Supreme Super Saver

All eligible daycare procedures are covered up to the sum insured, subject to policy terms.

VS

Health Elite

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Consumable Cover

Supreme Super Saver

The optional Claim Shield benefit covers expenses relating to 68 listed non-payable items during hospitalisation. Claim Shield+ offers a broader list of eligible non-payable items under the applicable add-on terms. These benefits are optional and subject to additional premium.

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

AYUSH Treatment

Supreme Super Saver

Eligible AYUSH treatment is covered up to 100% of the sum insured, subject to policy terms.

VS

Health Elite

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Initial Waiting Period

Supreme Super Saver

30 days from policy inception for illnesses. This waiting period does not apply to eligible accident-related claims.

VS

Health Elite

The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms.

Specific Waiting Period

Supreme Super Saver

24 months for named ailments, subject to the policy’s list of covered conditions and applicable exceptions.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

PED Waiting Period

Supreme Super Saver

36 months for pre-existing diseases under the standard waiting-period terms. The optional Modification of PED Waiting Period can reduce this to 1 or 2 years, as selected and accepted under the policy.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

Modern Treatment

Supreme Super Saver

Covers eligible modern and conventional treatments up to the sum insured, with no sublimits stated for these treatments in the brochure, subject to policy terms.

VS

Health Elite

Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.

Annual Health Checkup

Supreme Super Saver

One health check-up per insured person per policy year, subject to the policy terms.

VS

Health Elite

Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.

Pre-Hospitalisation

Supreme Super Saver

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions.

VS

Health Elite

Up to 30 days according to the published Health Elite product comparison, subject to policy terms.

Post-Hospitalisation

Supreme Super Saver

Eligible post-hospitalisation medical expenses are covered for up to 180 days after discharge, subject to policy conditions.

VS

Health Elite

Up to 60 days according to the published Health Elite product comparison, subject to policy terms.

Outpatient Department Cover (OPD Expense)

Supreme Super Saver

Care OPD is an optional add-on policy. Depending on the applicable option and zone, it provides up to four physical consultations with a general physician and up to four consultations with specified specialists per insured person per policy year, subject to consultation limits and co-payments.

VS

Health Elite

Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.

Deductible Option

Supreme Super Saver

A standard deductible option is not specified in the uploaded brochure. Review the current quote and policy schedule for any applicable deductible.

VS

Health Elite

A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified.

Coverage Options

Supreme Super Saver

Individual cover for up to 6 persons or family floater cover for up to 2 adults and 2 children, subject to eligibility.

VS

Health Elite

Information Unavailable

Claim Settlement Ratio

Supreme Super Saver

Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year.

VS

Health Elite

FY 24-25: ~84%

Maternity Cover

Supreme Super Saver

Maternity expenses are not listed as a standard base benefit in the brochure. Certain services or discounts may be available through optional Care OPD or network wellness services, but these should not be treated as maternity insurance coverage.

VS

Health Elite

Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version.

Insurance Plans Comparison

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

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